Bad Luck, Car Accident

[YarisSedan]

Originally Posted by KKevin

Hi guys,

Do you remember me? I asked a lot of questions these day.

I still did not get my new car. So toyota offered me a car for free use on Monday. It is a nice car and easy to drive.

Unfortunately, today I met a car accident, and I approached toyota dealer immediately after the accident and returned the car to them.

But they asked me to pay $2000 insurance excess which I think it is too expensive to me. I paid $1000 to them today and I still owed them another $1000.

After I arrived my home, I talked to my friends and we found something very strange. The first is, The toyota dealer did not show me any insurance company policy. Then, after I paid the $1000, they even did not write any receipt to state what the money is paid for. Finally is, we did not sign any contract regarding to the free use of the car and they did not explain conditions and attentions about using the car.

SO, guys, what do you think?

Should I still pay the rest of the money?

Thanks.

I used to work at dealer occasionally. They would give people the keys to a car in the lot without writing it up as a loaner. And 99 percent of the time nothing happens. Usually no paperwork at all. But when accident happens both people are kinda screwed now. But techically its really the dealer. If its run through insurance the vehicle can no longer be sold as a new car now since its been in a accident. Second since there was no documentation they may not even cover the claim. SO now the dealer is going to have to send it to the body shop and pay out of pocket. Or more so out of your pocket. The estimate may be a 3-4 thousand dollar repair. But dealership gets wholesale cost which is maybe 2 thousand. Which is what they are having you pay so they arnt out anything while you are.

[KKevin]

Originally Posted by YarisSedan

I used to work at dealer occasionally. They would give people the keys to a car in the lot without writing it up as a loaner. And 99 percent of the time nothing happens. Usually no paperwork at all. But when accident happens both people are kinda screwed now. But techically its really the dealer. If its run through insurance the vehicle can no longer be sold as a new car now since its been in a accident. Second since there was no documentation they may not even cover the claim. SO now the dealer is going to have to send it to the body shop and pay out of pocket. Or more so out of your pocket. The estimate may be a 3-4 thousand dollar repair. But dealership gets wholesale cost which is maybe 2 thousand. Which is what they are having you pay so they arnt out anything while you are.

Hi,

Thanks for let me know the inside information.

The car which toyota passed to me is an used car with ODO of 5K+. I know I have certain responsibilities for the accident, but the thing is if the dealer could delivery my new car on time (because they have changed the delivery date for at least three times), it might be this accident could be avoided.

If the price that the dealer charge from me is the normal excess what other insurance companies would apply (In Australia, most insurance companies charge between $300 and $500 for the basic excess), I might accept that.

Additionally if they mentioned the excess when I signed the form, I might also accept their charge. If I know it is $2000 excess, I will buy extra insurance myself to cover the huge excess.